The invention provides a kernel file loading method, loading apparatus and loading system. The loading method comprises the steps of initializing a preset universal serial bus (USB) to network driver; receiving a kernel file through a USB network; and storing the kernel file in a specified storage address. According to the kernel file loading method, loading apparatus and loading system, the kernel file is directly received and stored through the USB network, namely, the kernel file can be loaded, the kernel file does not need to be packaged and compiled into firmware, and the firmware does not need to downloaded through a specific firmware programming tool, so that the kernel file loading efficiency is improved; and in hardware, a development board is configured with a USB interface, and the USB interface is smaller in volume than a general network interface, so that the space of a circuit board can be saved.